Money Wellness

Cost of living help

Financial support and money-saving tips to help with the cost of living.

Guides

WaterSure – get help with your water bill

Find out if you're eligible for capped water bills under the WaterSure scheme

Missed payments and defaults

A guide on missed payments and default - what happens, what you should do and where to get help

What you should do if you fall behind with your mortgage payments

A guide covering what is likely to happen if you fall behind with your mortgage payments, including the steps your lender must take and what you should do.

Government cost-of-living help in Wales, Scotland and Northern Ireland

A guide to the government cost-of-living support available in Wales, Scotland and Northern Ireland, including who qualifies and how to apply.

Help to Save accounts – everything you need to know

How opening a Help to Save account can help boost your savings if you're on a low income, the eligibility criteria and how to apply.

Benefits for carers

As a carer, you may be entitled to certain benefits. In this guide, we outline those benefits and explain if you’re eligible and how to apply.

Is an IVA worth it and right for me?

Find out when an IVA might be a suitable option for you, the benefits of an IVA and the things you need to bear in mind, as well as alternatives to an IVA.

How to go bankrupt

Find out the steps of how to go bankrupt, including filing for bankruptcy and what you’ll need to do once you’re declared bankrupt.

Can you pay an IVA off early?

If you receive an unexpected lump sum during your IVA, you may be able to use it to pay off your IVA early.

Loan sharks – everything you need to know

How to spot a loan shark and what to do if you've borrowed from a loan shark

Money Wellness blogs

A handful of banknotes
benefits

14 Nov 2023

Call for increase in benefits rather than more cost-of-living payments

The Work and Pensions Committee has said increasing universal credit payments may be a better option than further cost-of-living payments.

bank cards
debts

12 Apr 2024

Brits spend £1.4 billion a year on overdrafts

If you're in need of debt advice, we can help.

town
cost of living

12 Apr 2024

Rent increases overtake wage growth- many will struggle research finds

Think tank Resolution Foundation has found that average rent prices could rise by 13% in the next three years, which means they’ll outpace the projected average wage growth of 7.5%

Scottish flag
benefits

12 Apr 2024

Scotland moves to child disability payment- what’s changed?

Find out if you need to apply for child disability payment.

piggybank with a pound being put in it
debts

12 Apr 2024

Nearly one in ten people borrow money to fund food shops, Lenvi finds

Lenvi’s recent report on buy now, pay later (BNPL) loans and products gives us insight into people’s reasons for borrowing.

a group of diverse people
debts

11 Apr 2024

Vulnerable and minority groups are twice as likely to use unregulated buy now, pay later loans

Unregulated BNPL loans are causing the most vulnerable and minority groups in the UK to be at risk of debt to them.

young person unable to sleep at night
debts

11 Apr 2024

Young people are three times more likely than older generations to have their mental health impacted by money worries

If you're aged 18-34 and struggling with debt and mental health, find out what help is available. You're not alone.

houses shaped like arrows
bills

11 Apr 2024

Proposed changes to Renters Reform Bill not enough, expert says

With the Renters Reform Bill up in the air, find out what to do if you're struggling with your rent.

illustration of bathroom sink
bills

11 Apr 2024

Trust in water companies falls as water bills increase

Trust falls in water suppliers as bills rise this month. Find out what to do if you're struggling to pay your water bill.

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